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The secret's out: Newfoundland and Labrador drivers enjoy some of the finest scenery in the world. And when it comes to auto insurance rates, getting behind the wheel on the Rock is a happy experience. Thanks go out, in part, to insurance reforms enacted by the province in 2004.

But just because auto insurance rates are relatively low here doesn't mean that drivers can't save even more money on their car insurance. All you have to do is shop around online. Rate comparison sites like help drivers find the cheapest car insurance rates available, quickly and easily.

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Insurance comparison sites like pull the cheapest, most competitive quotes from all the top car insurers in your area. All we need to get started is some of your basic driver details. After you receive and select your quote, a professional insurance broker will lock in your rate with the insurer and help you get set up with your new policy. You'll be done in minutes.

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What you need to know about auto insurance in Newfoundland and Labrador.

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Who sets auto insurance rates in Newfoundland and Labrador?

In Newfoundland and Labrador, individual insurers set auto insurance rates, which are then regulated and approved by the Newfoundland and Labrador Board of Commissioners of Public Utilities.

What factors determine auto insurance rates in Newfoundland and Labrador?

Auto insurance rates in Newfoundland and Labrador are determined by a variety of factors:

  • Your driving record.
  • The type and age of your car.
  • Your insurance claims record.
  • Your annual mileage and territory of use.
  • How you use your car (personal or business).
  • Whether or not any other drivers in the household use your car.

How do Newfoundland and Labrador auto insurance rates compare to other provinces?

Newfoundland and Labrador auto insurance premiums are currently the 5th highest in Canada.

Average auto insurance rates by province

ProvinceAverage Rates
British Columbia$1,832
Newfoundland & Labrador$1,168
Northwest Territories$978*
Nova Scotia$891
New Brunswick$867
Prince Edward Island$816

Source: Insurance Bureau of Canada, 2019, "BC - Better Auto Insurance."

*Source: Insurance Bureau of Canada, 2017

Why are insurance rates so low in Newfoundland and Labrador?

Auto insurance rates in Newfoundland and Labrador are on the lower side of the spectrum thanks, in large part, to the reforms enacted by the government in 2004. These auto insurance reforms helped reduce rates across the province. But according to the Insurance Bureau of Canada, additional reforms are necessary to maintain rate stability. Problems that allow for large pain and suffering awards for relatively minor injuries continue to exist in the province's auto insurance system.

How can I get cheap auto insurance in Newfoundland and Labrador?

There are many ways to get cheap auto insurance in Newfoundland and Labrador:

  • Always pay your premiums on time.
  • Choose a vehicle with less susceptibility to theft.
  • Choose a vehicle with more safety and security features.
  • Maintain a good driving history — obey the rules of the road and avoid speeding tickets.
  • Understand and choose the right type of insurance coverage — only choose the coverage that you need.
  • Shop around for the best policy — online comparison sites like can help you find the policy that fits your needs.

Is auto insurance required in Newfoundland and Labrador?

Yes. The law requires motorists to carry insurance on their vehicle.

What is the minimum requirement for auto insurance in Newfoundland and Labrador?

Newfoundland and Labrador residents are required to carry $200,000 in third-party liability insurance on their vehicles. Without the minimum amount of coverage, drivers can't register their automobile.

Drivers in this province are also required to hold uninsured and unidentified insurance, which protects them if they're involved in an accident with an uninsured driver or a driver that can't be identified.

Unlike in many other provinces, accident benefits coverage isn't mandatory in Newfoundland, but it's recommended by the provincial government and can be bought from your insurer.

What kind of auto insurance system does Newfoundland and Labrador have?

Newfoundland and Labrador operates under the tort system. This lets you sue an at-fault driver for your pain and suffering, wage losses, and other damages related to an accident.

What benefits are covered if I choose to buy accident benefits coverage?

If you buy accident benefits coverage in Newfoundland and Labrador and get into a car accident, here's what your benefits will include:

  • Funeral expense benefits: Up to $1,000.
  • Medical payments: Up to $25,000/person; time limit of 4 years.
  • Disability income benefits: Up to $140/week; 104 weeks for partial disability; lifetime for total disability; unpaid housekeeper $70/week, maximum 12 weeks.
  • Death benefits: Death of head of household $10,000, plus $1,000 to each dependent survivor after first; death of spouse $10,000; death of dependant $2,000.

What are the penalties for driving without insurance in Newfoundland and Labrador?

If you're convicted of driving without insurance in Newfoundland and Labrador, you'll have to pay a fine that ranges from $2,000 to $4,000 for your first offence. The fine increases to a range of $3,000 to $5,000 for second and subsequent offences.

And there are other penalties that may accompany your fine. If you're charged for driving without insurance in Newfoundland and Labrador, you may also have your driver's licence suspended and your vehicle impounded for 90 days.

What is the minimum legal driving age in Newfoundland and Labrador?

You can begin the licensing process when you turn 16.

To earn your learner's licence in Newfoundland and Labrador, you first have to pass a road theory test and an eye vision test. Then you can hit the open road — as long as you're accompanied by a fully licensed driver. Remember, this supervising driver must sit in the front passenger seat and have a blood alcohol level of 0. You must stay in this licence level for 12 months, or 8 months if you complete an approved driver education course.

How do I get a novice licence in Newfoundland and Labrador?

To earn the next licence level, your novice licence, you must successfully complete a road test. You'll then hold your novice licence for 12 months and your BAC must always be 0 when you drive with this licence.

How do I get a full licence in Newfoundland and Labrador?

After holding your novice licence for 12 consecutive months, you may obtain your full Newfoundland and Labrador driver's licence.

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